[LOBBY OF BANK-MOMENTS LATER-DAY]

A large, impressive-looking bank atrium. In the center, behind a golden counter, clerks are busy at work serving customers.

Rose skids to a halt in the entrance of the space and looks around to find her creature. her dress and demeanor make her out of place among the smartly dressed New Yorkers.

bank employee (suspicious) "can I help you, ma'am?"

Rose "no, I was just... just... waiting"

Rose motions toward a bench and backs away, taking a seat next to Oliver.

Yin peers at Rose from behind a pillar.

Oliver (nervous) "Hi. what brings you here?"

Rose is desperately trying to spot his Niffler.

Rose "same as you..."

Oliver "you're here to get a loan to open up a bakery?"

Rose (looking around preoccupied) "yes"

Oliver "what are the odds that? well, may the best man win, I guess"

Rose spots the Niffler, which is now stealing coins from someone's bag. Oliver holds out his hand, but Rose is off.

Rose "excuse me"

Rose darts away. In her place on the bench lies a large silver egg.

Oliver "hey, miss... hey, miss!"

Rose doesn't hear; he is too engaged in hunting the Niffler. Oliver picks up the egg just as the door into the bank manager's office opens, and a secretary looks out.

Oliver "hey, fella!"

Secretary "Mr.Kowalski, Mr.Bingley will see you now."

pocketing the egg, Oliver heads toward the office, steeling himself.

Oliver (under his breath) "okay... okay"

{ANGLE ON ROSE}

surreptitiously pursuing the Niffler as it moves through the bank. She finally spots it removing a glittering buckle from a lady's shoe before scurrying onward, eager for more shiny objects.

As Rose watches, helpless, the Niffler jumps lithely between cases and into bags, snatching and pilfering.

[BINGLEY'S OFFICE-MOMENTS LATER-DAY]

Oliver is facing the imposing and impeccably suited Mr. Jonathan Bingley. Bingley is examining Oliver's business proposal for a bakery.

An uncomfortable silence. The sound of a ticking clock and Bingley murmuring.

Oliver looks down at his pocket-the egg has started to vibrate.

Bingley "you are currently working... in a canning factory?"

Oliver "that's the best I can do- I only got back in '24"

Bingley "got back"

Oliver "from Europe, sir yeah - I was part of the expeditionary forces there-"

Oliver is clearly nervous, miming a digging action to the words "expeditionary forces," in the vain hope that a joke might help his cause.

[BACK ROOM OF THE BANK-MOMENTS LATER-DAY]

we cut back to Rose in the bank- in seeking the Niffler, she has ended up waiting in line for a bank teller. she cranes her neck, peering toward the bag of a lady at the front of the line. Yin watches her from behind a pillar.

{ANGLE ON COINS}

spilling from underneath a bench.

{ANGLE ON ROSE}

who hears the coins and turns to see small paws hastily gathering them up.

{ANGLE ON THE NIFFLER}

sitting under the bench, looking fat and smug. Not yet satisfied, its attention is caught by the shiny tag hanging around the neck of a small dog. The Niffler moves slowly, cheekily, forward-little paw outstretched to grab the tag. the dog snarls and barks.

Rose starts forward and dives under the bench- The Niffler runs, scuttling over the bank counter screens and out of Roes's reach.